US20090125446A1 - System and Method for Secure Transactions Manageable by a Transaction Account Provider - Google Patents

System and Method for Secure Transactions Manageable by a Transaction Account Provider Download PDF

Info

Publication number
US20090125446A1
US20090125446A1 US12354539 US35453909A US2009125446A1 US 20090125446 A1 US20090125446 A1 US 20090125446A1 US 12354539 US12354539 US 12354539 US 35453909 A US35453909 A US 35453909A US 2009125446 A1 US2009125446 A1 US 2009125446A1
Authority
US
Grant status
Application
Patent type
Prior art keywords
transaction
account
system
code
proxy
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Granted
Application number
US12354539
Other versions
US8418918B2 (en )
Inventor
Peter D. Saunders
Brian T. Barnes
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Liberty Peak Ventures LLC
Original Assignee
American Express Travel Related Services Co Inc
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date

Links

Images

Classifications

    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07CTIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
    • G07C9/00Individual entry or exit registers
    • G07C9/00007Access-control involving the use of a pass
    • G07C9/00111Access-control involving the use of a pass the pass performing a presence indicating function, e.g. identification tag or transponder
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06KRECOGNITION OF DATA; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K9/00Methods or arrangements for reading or recognising printed or written characters or for recognising patterns, e.g. fingerprints
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06KRECOGNITION OF DATA; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K9/00Methods or arrangements for reading or recognising printed or written characters or for recognising patterns, e.g. fingerprints
    • G06K9/00885Biometric patterns not provided for under G06K9/00006, G06K9/00154, G06K9/00335, G06K9/00362, G06K9/00597; Biometric specific functions not specific to the kind of biometric
    • G06K9/00899Spoof detection
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/04Payment circuits
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/14Payment architectures specially adapted for billing systems
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/20Point-of-sale [POS] network systems
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
    • G06Q20/327Short range or proximity payments by means of M-devices
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices
    • G06Q20/36Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
    • G06Q20/367Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes involving intelligent token, e.g. electronic purse
    • G06Q20/3674Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes involving intelligent token, e.g. electronic purse involving authentication
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/385Use of an alias or a single-use code
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/388Mutual authentication without cards
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401Transaction verification
    • G06Q20/4014Identity check for transaction
    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07CTIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
    • G07C9/00Individual entry or exit registers
    • G07C9/00007Access-control involving the use of a pass
    • G07C9/00031Access-control involving the use of a pass in combination with an identity-check of the pass-holder
    • G07C9/00071Access-control involving the use of a pass in combination with an identity-check of the pass-holder by means of personal physical data, e.g. characteristic facial curves, hand geometry, voice spectrum, fingerprints
    • G07C9/00087Access-control involving the use of a pass in combination with an identity-check of the pass-holder by means of personal physical data, e.g. characteristic facial curves, hand geometry, voice spectrum, fingerprints electronically
    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07CTIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
    • G07C9/00Individual entry or exit registers
    • G07C9/00007Access-control involving the use of a pass
    • G07C9/00119Access-control involving the use of a pass the pass containing active electronic elements
    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07GREGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
    • G07G1/00Cash registers
    • G07G1/12Cash registers electronically operated
    • G07G1/14Systems including one or more distant stations co-operating with a central processing unit
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06KRECOGNITION OF DATA; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K9/00Methods or arrangements for reading or recognising printed or written characters or for recognising patterns, e.g. fingerprints
    • G06K9/00885Biometric patterns not provided for under G06K9/00006, G06K9/00154, G06K9/00335, G06K9/00362, G06K9/00597; Biometric specific functions not specific to the kind of biometric
    • G06K2009/00932Subcutaneous biometric features; Blood vessel patterns

Abstract

A system and method for securing a financial transaction using a proxy code, which is assigned a transaction account number. An account issuer permanently assigns the proxy code to a transaction account correlated to the transaction device. The proxy code is uploaded onto the transaction device for later use in completing a transaction request. During transaction completion, the proxy code is provided to a merchant system in lieu of any sensitive account information. Since the proxy code is permanently assigned, the number need not be changed or updated on the merchant system once uploaded into a payment device or merchant database. The account issuer may manipulate the sensitive account information without need to alter the information stored on the merchant database. Since the proxy code contains no sensitive information, the sensitive information related to the transaction account is secured from theft.

Description

    RELATED APPLICATIONS
  • [0001]
    This application is a continuation of, and claims priority to, U.S. Ser. No. 11/161,295, entitled “SYSTEM AND METHOD FOR SECURE TRANSACTIONS MANAGEABLE BY A TRANSACTION ACCOUNT PROVIDER”, filed Jul. 28, 2005. The '295 application is a continuation-in-part of, and claims priority to U.S. Ser. No. 10/708,569, entitled “SYSTEM AND METHOD FOR SECURING SENSITIVE INFORMATION DURING COMPLETION OF A TRANSACTION,” filed Mar. 11, 2004. The '569 application is a continuation-in-part of, and claims priority to U.S. Pat. No. 7,239,226, entitled “SYSTEM AND METHOD FOR PAYMENT USING RADIO FREQUENCY IDENTIFICATION IN CONTACT AND CONTACTLESS TRANSACTIONS,” issued on Jul. 3, 2007 (aka U.S. Ser. No. 10/192,488, entitled “SYSTEM AND METHOD FOR PAYMENT USING RADIO FREQUENCY IDENTIFICATION IN CONTACT AND CONTACTLESS TRANSACTIONS,” filed Jul. 9, 2002) (which itself claims priority to U.S. Provisional Patent Application No. 60/304,216, filed Jul. 10, 2001). The '569 application is also a continuation-in-part of, and claims priority to U.S. patent application Ser. No. 10/340,352, entitled “SYSTEM AND METHOD FOR INCENTING PAYMENT USING RADIO FREQUENCY IDENTIFICATION IN CONTACT AND CONTACTLESS TRANSACTIONS,” filed Jan. 10, 2003 (which itself claims priority to U.S. Provisional Patent Application No. 60/396,577, filed Jul. 16, 2002). All of which are incorporated herein by reference.
  • FIELD OF INVENTION
  • [0002]
    This invention generally relates to securing a financial transaction. More particularly, the invention pertains to a system and method for securing the transaction using a proxy code or number which hides the underlying sensitive payment device information from the merchant system and which permits the account provider to manage the sensitive information without need to alter the proxy code.
  • BACKGROUND OF THE INVENTION
  • [0003]
    Like barcode and voice data entry, RFID is a contactless information acquisition technology. RFID systems are wireless, and are usually extremely effective in hostile environments where conventional acquisition methods often fail. RFID has established itself in a wide range of markets, such as, for example, the high-speed reading of railway containers, tracking moving objects such as livestock or automobiles, and retail inventory applications. As such, RFID technology has become a primary focus in automated data collection, identification and analysis systems worldwide.
  • [0004]
    Of late, companies are increasingly embodying RFID data acquisition technology in a fob or tag for use in completing financial transactions. A typical RFID fob is ordinarily a self-contained device, which may take the shape of any portable form factor. The RFID fob may include a transponder for transmitting information during a transaction. In some instances, a battery may be included in the fob to power the transponder, in which case the internal circuitry of the fob (including the transponder) may draw its operating power from the battery power source. Alternatively, the fob may gain its operating power directly from an RF interrogation signal. U.S. Pat. No. 5,053,774, issued to Schuermann, describes a typical transponder RF interrogation system which may be found in the prior art. The Schuermann patent generally describes the powering technology surrounding conventional transponder structures. U.S. Pat. No. 4,739,328 discusses a method by which a conventional transponder may respond to an RF interrogation signal. Other typical modulation techniques which may be used include, for example, ISO/IEC 14443 and the like.
  • [0005]
    In the conventional fob powering technologies used, the fob is typically activated upon presenting the fob into an interrogation signal. In this regard, the fob may be activated irrespective of whether the user desires such activation. Alternatively, the fob may have an internal power source such that interrogation by the reader for activation of the fob is not required.
  • [0006]
    One of the more visible uses of the RFID technology is the introduction of Exxon/Mobil's Speedpass® and Shell's EasyPay® products. These products use transponders, placed in a fob or tag, which enable automatic identification of the user when the fob is presented at a merchant's Point-of-Sale (POS) device, for example, when attempting to complete a transaction. During the transaction completion, a fob identifier is passed from the RFID fob to the POS, which delivers the information to a merchant system for transaction completion.
  • [0007]
    To complete the transaction, the merchant system may typically pass the fob identifier to a third-party server database. The third-party server may reference the identification data to a customer (e.g., user) credit or debit account. In an exemplary processing method, the third-party server may seek authorization for the transaction by passing the transaction and account data to an authorizing entity, such as for example an “acquirer” or account issuer. Once the server receives authorization from the authorizing entity, the authorizing entity sends clearance to the POS device for transaction completion.
  • [0008]
    In addition to sending the information to an issuer system for authorization, the merchant system may store information related to the fob (e.g., fob identifier authorization) in a merchant system database for later reference. For example, where the transaction device user is a repeat customer, the transaction device user may wish to complete the transaction using transaction account information previously submitted to the merchant system. Since the account information is stored on the merchant system, the user need not provide the information to a merchant to complete subsequent transactions. Instead, the user may indicate to the merchant to use the transaction account information stored on the merchant system for transaction completion.
  • [0009]
    In another typical example, the merchant system may store the transaction account information for later reference when the transaction device user establishes a “recurring billing” account. In this instance, the merchant may periodically charge a user for services rendered or goods purchased. The user may authorize the merchant system to seek satisfaction of the charge using the transaction account information stored in the merchant system. The merchant may thereby send a transaction request regarding the charge to an account provider, or a third-party server for transaction authorization and satisfaction.
  • [0010]
    Because RFID transactions involve passing transaction account information from the RFID transaction device to a merchant in a contactless environment, the account information is susceptible to being intercepted by an unauthorized receiver and used for fraudulent transactions. To lessen the occurrence of fraudulent transactions in the RFID environment, RFID transaction device issuers have focused much effort on securing the information passed in RFID transactions. Many of the efforts have focused on securing the transaction account or related data during transmission from the user to the merchant, or from the merchant to a third-party server or account issuer system. For example, one conventional method for securing RFID transactions involves requiring the device user to provide a secondary form of identification during transaction completion. The RFID transaction device user may be asked to enter a personal identification number (PIN) into a keypad. The PIN may then be verified against a number associated with the user or the RFID transaction device, wherein the associated number is stored in an account issuer database. If the PIN number provided by the device user matches the associated number, then the transaction may be cleared for completion. In this way, the merchant (and account issuer) is relatively assured that the transaction device user or the account information passed to the merchant is valid.
  • [0011]
    Although current methods are useful in authorizing the information provided to the merchant, one problem with the conventional efforts is that they typically do not focus on the ways to secure the transaction account information after the information is received by and stored on the merchant system. As noted, the merchant may typically store on a merchant database the information received from the transaction device during a transaction. Such information may be sensitive information concerning the fob user or the transaction device user's account. Should the transaction device user's sensitive information be retrieved from the merchant system without authorization, the user or account issuer may be subjected to fraudulent activity. More importantly, the account issuer's ability to secure the sensitive information while it is stored on the merchant system is limited by the merchant's security measures used in securing its merchant system database. Consequently, the account issuer often has little influence over the security of the account information once the information is provided to the merchant system.
  • [0012]
    As such, a need exists for a method which permits the account issuer to have a significant influence on the security of the transaction account information stored on a merchant system. A suitable system may allow an account issuer to manage the transaction account information while leaving the information stored on the merchant system in tact.
  • SUMMARY OF THE INVENTION
  • [0013]
    A system and method for securing transactions is described which addresses the problems found in conventional transaction securing methods. In one aspect of the invention, the securing method described herein includes providing a proxy code to a merchant system during a transaction instead of providing sensitive transaction account information. A transaction device in accordance with the invention provides the proxy code to the merchant system contemporaneously with a transaction request. The merchant system may receive the proxy code and correlate the proxy code to a user or transaction in the merchant system. The merchant system may store the proxy code in a merchant database for later reference.
  • [0014]
    The proxy code does not include any sensitive information about the transaction device user or user transaction account. Instead the merchant system receives a proxy code, which takes the place of the sensitive information ordinarily received during transaction completion. In other words, certain information such as the user's actual account number is never transmitted to the merchant. Thus, the user's account number is not available should the merchant system be compromised.
  • [0015]
    In accordance with another aspect of the invention, the account issuer correlates the proxy code to an underlying account number on an account issuer database. The account number may ordinarily have the account holder's sensitive information associated with it. The account number may be completely managed by the account issuer. For example, the account issuer may change the account number associated with the proxy code, without changing the proxy code itself. In this way, the account holder may alter the account number, or any sensitive information related thereto, without changing the proxy code, so that the proxy code need not be replaced on the merchant system. Indeed, the merchant system is ordinarily not aware of the changes made by the account issuer.
  • [0016]
    In accordance with yet another aspect of the invention, a radio frequency identification (RFID) transaction device is used to complete a transaction. The RFID transaction device may be interrogated by an RFID reader operable to provide an RF interrogation signal for powering a transponder system. The RFID reader may receive the proxy code instead of sensitive transaction device information, and the merchant may receive the transaction device proxy code from the RFID transaction device and provide the proxy code to an authorizing agent, such as an acquirer or an account issuer, for verification. For example, the authorizing agent may verify that the proxy code corresponds to a valid transaction account on the account issuer system. The authorizing agent may use the proxy code to locate the appropriate verifying (i.e., “validating”) information for confirming the transaction account validity. Once the authorizing agent verifies the validity of the transaction account using the proxy code, the authorizing entity (e.g., account issuer or acquirer) may provide authorization to the merchant that a transaction may be completed.
  • [0017]
    In one exemplary embodiment, the RFID reader may additionally be validated. In this instance, the RFID reader may be provided an RFID reader authentication tag which may be used to validate the reader. During a transaction completion, the RFID reader receives the RFID transaction device proxy code, and the reader may provide the transaction device proxy code and the reader authentication tag to an authorizing agent, such as an acquirer. In a similar manner as with the transaction account, the acquirer may then validate that the RFID reader is an authorized reader for facilitating an RF transaction with the account issuer. If the RFID reader is validated, the acquirer may then provide the RFID transaction device identifier to an account issuer for RFID device verification. The account issuer may then verify that the RFID transaction device is authorized to complete the requested transaction. Alternatively, the reader may be directly validated by the account issuer.
  • [0018]
    These features and other advantages of the system and method, as well as the structure and operation of various exemplary embodiments of the system and method, are described below.
  • BRIEF DESCRIPTION OF THE DRAWINGS
  • [0019]
    The accompanying drawings, wherein like numerals depict like elements, illustrate exemplary embodiments of the present invention, and together with the description, serve to explain the principles of the invention. In the drawings:
  • [0020]
    FIG. 1 illustrates an exemplary RFID transaction system depicting components for use in a secure RFID transaction completed in accordance with one embodiment of the present invention;
  • [0021]
    FIG. 2 depicts an exemplary flowchart of an overview of a exemplary method for securing an RFID transaction in accordance with one embodiment of the present invention; and,
  • [0022]
    FIG. 3 depicts an exemplary account issuer database structure for storing the proxy code correlative to a related transaction account number in accordance with one embodiment of the present invention.
  • DETAILED DESCRIPTION
  • [0023]
    The present invention may be described herein in terms of functional block components, screen shots, optional selections and various processing steps. Such functional blocks may be realized by any number of hardware and/or software components configured to perform the specified functions. For example, the present invention may employ various integrated circuit components (e.g., memory elements, processing elements, logic elements, look-up tables, and the like), which may carry out a variety of functions under the control of one or more microprocessors or other control devices. Similarly, the software elements of the present invention may be implemented with any programming or scripting language such as C, C++, Java, COBOL, assembler, PERL, extensible markup language (XML), JavaCard and MULTOS with the various algorithms being implemented with any combination of data structures, objects, processes, routines or other programming elements. Further, it should be noted that the present invention may employ any number of conventional techniques for data transmission, signaling, data processing, network control, encryption and the like. For a basic introduction on cryptography, review a text written by Bruce Schneier entitled “Applied Cryptography: Protocols, Algorithms, and Source Code in C,” published by John Wiley & Sons (second edition, 1996), herein incorporated by reference.
  • [0024]
    The exemplary network disclosed herein may include any system for exchanging data or transacting business, such as the Internet, an intranet, an extranet, WAN, LAN, satellite communications, and/or the like. It is noted that the network may be implemented as other types of networks, such as an interactive television network (ITN). Further still, the terms “Internet” or “network” may refer to the Internet, any replacement, competitor or successor to the Internet, or any public or private inter-network, intranet or extranet that is based upon open or proprietary protocols. Specific information related to the protocols, standards, and application software utilized in connection with the Internet may not be discussed herein. For further information regarding such details, see, for example, Dilip Naik, Internet Standards and Protocols (1998); Java 2 Complete, various authors, (Sybex 1999); Deborah Ray and Eric Ray, Mastering HTML 4.0 (1997); Loshin, TCP/IP Clearly Explained (1997). All of these texts are hereby incorporated by reference.
  • [0025]
    By communicating, a signal may travel to/from one component to another. The components may be directly connected to each other or may be connected through one or more other devices or components. The various coupling components for the devices can include but are not limited to the Internet, a wireless network, a conventional wire cable, an optical cable or connection through air, water, or any other medium that conducts signals, and any other coupling device or medium.
  • [0026]
    Where required, the system user may interact with the system via any input device such as, a keypad, keyboard, mouse, biometric device, kiosk, personal digital assistant, handheld computer (e.g., Palm Pilot®, Blackberry®), cellular phone and/or the like. Similarly, the invention could be used in conjunction with any type of personal computer, network computer, work station, minicomputer, mainframe, or the like, running any operating system such as any version of Windows, Windows NT, Windows 2000, Windows 98, Windows 95, MacOS, OS/2, BeOS, Linux, UNIX, Solaris, or the like. Moreover, it should be understood that the invention could be implemented using TCP/IP communications protocol, SNA, IPX, Appletalk, IPte, NetBIOS, OSI or any number of communications protocols. Moreover, the transactions discussed herein may include or result in the use, sale, or distribution of any goods, services or information over any network having similar functionality described herein.
  • [0027]
    A variety of conventional communications media and protocols may be used for data links providing physical connections between the various system components. For example, the data links may be an Internet Service Provider (ISP) configured to facilitate communications over a local loop as is typically used in connection with standard modem communication, cable modem, dish networks, ISDN, Digital Subscriber Lines (DSL), or any wireless communication media. In addition, the merchant system including a merchant point-of-sale (POS) device and host network may reside on a local area network, which interfaces to a remote network for remote authorization of an intended transaction. The POS may communicate with the remote network via a leased line, such as a T1, D3 line, or the like. Such communications lines are described in a variety of texts, such as, “Understanding Data Communications,” by Gilbert Held, which is incorporated herein by reference.
  • [0028]
    A transaction device identifier, as used herein, may include any identifier for a transaction device, such as, for example, any hardware, software, code, number, letter, symbol, digital certificate, smart chip, digital signal, analog signal, biometric and/or other identifier/indicia. The device identifier may also be correlated to a user transaction account (e.g., credit, charge debit, checking, savings, reward, loyalty, or the like) maintained by a transaction account provider (e.g., payment authorization center). A typical transaction account identifier distinct to a transaction device, may be correlated to a transaction account number associated with a credit or debit account, loyalty account, or rewards account maintained and serviced by such entities as American Express®, Visa®, MasterCard®) or the like.
  • [0029]
    A transaction device identifier or account number may be, for example, a sixteen-digit or nineteen-digit credit card number, although each credit provider has its own numbering system, such as the fifteen-digit numbering system used by American Express. Each company's credit card numbers comply with that company's standardized format such that the company using a sixteen-digit format will generally use four spaced sets of numbers, as represented by the number “0000 0000 0000 0000.” In a typical example, the first five to seven digits are reserved for processing purposes and identify the issuing bank, card type and, etc. In this example, the last sixteenth digit is used as a sum check for the sixteen-digit number. The intermediary eight-to-ten digits are used to uniquely identify the customer. The account number transaction device may be stored as Track 1 and Track 2 data as defined in ISO/IEC 7813, and further may be created unique to the RFID transaction device. The account number or transaction device may be communicated in Track 1 and Track 2 data, as well.
  • [0030]
    In one exemplary embodiment of the invention, the transaction device may be correlated with a unique RFID transaction device account number maintained on an account issuer database. In accordance with the invention, the account number is not provided to a merchant during transaction completion. Instead, the merchant system may be provided a “proxy code” (described below). The transaction device proxy code may be stored in a transaction device database located on the transaction device. The transaction device database may be configured to store multiple proxy codes issued to the RFID transaction device user by the same or different account issuing institutions.
  • [0031]
    To facilitate understanding, the present invention may be described with respect to a credit account. However, it should be noted that the invention is not so limited. Other accounts which facilitate an exchange of goods or services are contemplated to be within the scope of the present invention.
  • [0032]
    The databases discussed herein may be any type of database, such as relational, hierarchical, object-oriented, and/or the like. Common database products that may be used to implement the databases include DB2 by IBM (White Plains, N.Y.), any of the database products available from Oracle Corporation (Redwood Shores, Calif.), Microsoft Access or MSSQL by Microsoft Corporation (Redmond, Wash.), or any other database product. Databases may be organized in any suitable manner, including as data tables or lookup tables. Association of certain data may be accomplished through any data association technique known and practiced in the art. For example, the association may be accomplished either manually or automatically. Automatic association techniques may include, for example, a database search, a database merge, GREP, AGREP, SQL, and/or the like. The association step may be accomplished by a database merge function, for example, using a “key field” in each of the manufacturer and retailer data tables. A “key field” partitions the database according to the high-level class of objects defined by the key field. For example, a certain class may be designated as a key field in both the first data table and the second data table, and the two data tables may then be merged on the basis of the class data in the key field. In this embodiment, the data corresponding to the key field in each of the merged data tables is preferably the same. However, data tables having similar, though not identical, data in the key fields may also be merged by using AGREP, for example.
  • [0033]
    In accordance with one aspect of the present invention, any suitable data storage technique may be utilized to store data without a standard format. Data sets may be stored using any suitable technique, including, for example, storing individual files using an ISO/IEC 7816-4 file structure; implementing a domain whereby a dedicated file is selected that exposes one or more elementary files containing one or more data sets; using data sets stored in individual files using a hierarchical filing system; data sets stored as records in a single file (including compression, SQL accessible, hashed via one or more keys, numeric, alphabetical by first tuple, etc.); block of binary (BLOB); stored as ungrouped data elements encoded using ISO/IEC 7816-6 data elements; stored as ungrouped data elements encoded using ISO/IEC Abstract Syntax Notation (ASN.1) as in ISO/IEC 8824 and 8825; and/or other proprietary techniques that may include fractal compression methods, image compression methods, etc.
  • [0034]
    In one exemplary embodiment, the ability to store a wide variety of information in different formats is facilitated by storing the information as a Block of Binary (BLOB). Thus, any binary information can be stored in a storage space associated with a data set. As discussed above, the binary information may be stored on the financial transaction instrument or external to but affiliated with the financial transaction instrument. The BLOB method may store data sets as ungrouped data elements formatted as a block of binary via a fixed memory offset using either fixed storage allocation, circular queue techniques, or best practices with respect to memory management (e.g., paged memory, least recently used, etc.). By using BLOB methods, the ability to store various data sets that have different formats facilitates the storage of data associated with the financial transaction instrument by multiple and unrelated owners of the data sets. For example, a first data set which may be stored may be provided by a first issuer, a second data set which may be stored may be provided by an unrelated second issuer, and yet a third data set which may be stored, may be provided by a third issuer unrelated to the first and second issuer. Each of these three exemplary data sets may contain different information that is stored using different data storage formats and/or techniques. Further, each data set may contain subsets of data which also may be distinct from other subsets.
  • [0035]
    In addition to the above, the transaction device identifier may be associated with any secondary form of identification configured to allow the consumer to interact or communicate with a payment system. For example, the transaction device identifier may be associated with, for example, an authorization/access code, personal identification number (PIN), Internet code, digital certificate, biometric data, and/or other secondary identification data used to verify a transaction device user identity.
  • [0036]
    It should be further noted that conventional components of RFID transaction devices may not be discussed herein for brevity. For example, one skilled in the art will appreciate that the RFID transaction device and the RFID reader disclosed herein include traditional transponders, antennas, protocol sequence controllers, modulators/demodulators and the like, necessary for proper RFID data transmission. A suitable RFID transaction device and RFID reader which may be used with this invention are disclosed in U.S. patent application Ser. No. 10/192,488, filed Jul. 9, 2002. As such, those components are contemplated to be included in the scope of the invention.
  • [0037]
    Various components may be described herein in terms of their “validity.” In this context, a “valid” component is one that is partially or fully authorized for use in completing a transaction request in accordance with the present invention. In contrast, an “invalid” component is one that is not partially or fully authorized for transaction completion.
  • [0038]
    Although the present invention is described with respect to validating a transaction device or reader communicating in an RF transaction, the invention is not so limited. The present invention may be used for any device, machine, or article which provides user identifying data to a merchant. Thus, the present invention may be used in any contact or contactless environment where identifying data is transferred to a merchant.
  • [0039]
    During a conventional RFID transaction, an RFID transaction device user may transmit information concerning the user's transaction account to a merchant POS. The information received by the POS may include, for example, the transaction device identifier or account number. The information may further include personal, demographic, biometric or statistical information related to the transaction device user. Upon receiving the information, the merchant POS ordinarily provides the information to a merchant system. The merchant system may store the information in a merchant system database for later reference. For example, the merchant system may later reference the transaction device information in the event that a user wishes to complete a transaction using the same identifying information as the merchant has stored on the merchant system.
  • [0040]
    In most instances, the transaction device information is stored on the merchant system database for an extended period of time. The extended storage is often because the merchant typically may wish to have the information readily available for later reference (e.g., transaction request maintenance, account or transaction request tracking, or the like). The merchant may also desire to archive the transaction device information for later use in preparing promotional offers or solicitations or materials to be provided to the transaction device user.
  • [0041]
    One key disadvantage of the conventional transaction processing method described above is that the information stored by the merchant is typically “sensitive information.” Sensitive information is that information which the transaction account issuer or the transaction device user would want to guard from theft and which may be used to conduct a fraudulent transaction. Sensitive information may include any information or data. For example, sensitive information may include the user account number, transaction device identifier, transaction device user personal data or the like.
  • [0042]
    It is important to secure the sensitive information. It may be used, for example, to complete a fraudulent transaction if reproduced without authorization. For example, should an unscrupulous person gain access to the merchant system and steal the transaction device identifier or account number, the person may be able to use the stolen information to place fraudulent charges on the associated transaction account. As such, the merchant may put into place special security measures designed to protect the sensitive information from theft.
  • [0043]
    The merchant ordinarily makes decisions related to securing the sensitive information without consulting the account issuer. As such, the transaction account issuer often must rely on the effectiveness of the merchant security measures to ensure that the information is not stolen while being stored on the merchant database. If the merchant security methods are ineffective or easily compromised, the sensitive information may be easily stolen.
  • [0044]
    FIG. 1 illustrates an exemplary RFID transaction system 100, wherein exemplary components for use in completing an RF transaction are depicted. In general, system 100 may include an RFID transaction device 102 in RF communication with an RFID reader 104 for transmitting data therebetween. RFID reader 104 may be in further communication with a merchant point-of-sale (POS) device 106 for providing to POS 106 information received from the RFID transaction device 102. POS 106 may be in further communication with a merchant system 101, which may include a merchant database 103 for storing the transaction device 102 data. Merchant system 101 may be in communication with an acquirer 110 or an account issuer 112 via a network 108 for transmitting transaction request data and receiving authorization concerning transaction completion. Account issuer system 112 may further include a database 114 for storing transaction device 102 user sensitive information.
  • [0045]
    Although the POS 106 is described herein with respect to a merchant POS device, the invention is not to be so limited. Indeed, a merchant POS device is used herein by way of example, and the POS device may be any device capable of receiving transaction device account information from transaction device 102. In this regard, the POS 106 may be any point-of-interaction device, such as, for example, a merchant terminal, kiosk, user terminal, computer terminal, input/output receiver or reader, etc., enabling the user to complete a transaction using a contact or contactless transaction device 102. POS device 106 may receive RFID transaction device 102 information and provide the information to a merchant system 101 for processing.
  • [0046]
    As used herein, an “acquirer” may be any databases and processors (e.g., operated by a third party) for facilitating the routing of a payment request to an appropriate account issuer 112. Acquirer 110 may route the payment request to account issuer 112 in accordance with a routing number, wherein the routing number corresponds to account issuer 112. The routing number may be populated onto a database within transaction device 102, and RFID transaction device 102 may then provide the routing number to reader 104 during transaction completion. The “routing number” in this context may be a unique network address or any similar device for locating account issuer 112 on a network 108. In one exemplary embodiment, transaction device 102 information may be provided in magnetic stripe format and the routing number may typically be stored on one of the “tracks” comprising a magnetic stripe network. For example, the proxy code in accordance with the present invention (described below) may be provided in traditional ISO magnetic stripe format (e.g., Track 1/Track 2 format). The routing number may be typically stored in Track 1/Track 2 format of the proxy code so that the information may be interpreted by POS device 106 and merchant system 101. Traditional means of routing the payment request in accordance with the routing number are well understood. As such, the process for using a routing number to provide a payment request will not be discussed herein.
  • [0047]
    In addition, account issuer 112 (or account provider) may be any entity which provides a transaction account useful for facilitating completion of a transaction request. The transaction account may be any account such as a credit, debit, loyalty, direct debit, checking, savings, or the like. The term “issuer” or “account provider” may refer to any entity facilitating payment of a transaction using a transaction device, and which may include systems permitting payment using at least one of a preloaded and non-preloaded transaction device. Typical account issuers may be American Express, MasterCard, Visa, Discover, and the like.
  • [0048]
    In general, during operation of system 100, RFID reader 104 may provide an interrogation signal to transaction device 102 for powering device 102 and receiving transaction device 102 related information. The interrogation signal may be received at a transaction device antenna and may be further provided to a transaction device transponder. In response, a transaction device processor may retrieve transaction device information from a transaction device database for providing to RFID reader 104 to complete a transaction request. Typically, where transaction device 102 information includes a transaction device authentication tag, the tag may be encrypted prior to providing the information to reader 104.
  • [0049]
    It should be noted that RFID reader 104 and RFID transaction device 102 may engage in mutual authentication prior to transferring any transaction device 102 data to reader 104. For a detailed explanation of a suitable mutual authentication process and suitable RFID transaction device and reader for use with the invention, see commonly owned U.S. patent application Ser. No. 10/340,352, entitled “SYSTEM AND METHOD FOR INCENTING PAYMENT USING RADIO FREQUENCY IDENTIFICATION IN CONTACT AND CONTACTLESS TRANSACTIONS,” filed Jan. 10, 2003, incorporated by reference in its entirety.
  • [0050]
    Once RFID reader 104 receives transaction device 102 information, reader 104 provides the information to the merchant POS 106 which provides the information to merchant system 101. Merchant system 101 may then append the transaction device information with transaction request data (e.g., any information relevant to the transaction for transaction satisfaction) and provide the entire transaction request (i.e., transaction request data and transaction device information) to acquirer 110 or issuer 112 for transaction completion. The transaction information may include a product or merchant location identifier, as well as the terms for satisfying the transaction (e.g., price to be paid, barter points to be traded, loyalty points to be redeemed). The transmitting of the information from transaction device 102 to acquirer 110 or issuer 112 may be accomplished in accordance with any conventional method for completing a transaction using contact and wireless data transmission. Acquirer 110 or issuer 112 may then determine whether to authorize completion of the transaction request in accordance with any “business as usual” protocol.
  • [0051]
    In addition to appending transaction device 102 information to the transaction request data for transaction authorization, conventional merchant systems 101 may also store transaction device 102 information in a merchant system database 103 for later reference. For example, a particular merchant may want to provide special advertisements to the user of transaction device 102 based on the user's prior purchases at the merchant location. Merchant system 101 may then recall transaction device 102 information from merchant database 103 and use the information to prepare, for example, a repeat customer mailing list. In some cases, however, merchant system 101 often also stores sensitive information related to the user such as, for example, the user's account number (e.g., credit card number) associated with transaction device 102. This sort of information is typically very easy to use in fraudulent transactions and therefore must be secured from theft. As such, conventional merchant systems use special security methods to safeguard the sensitive information from theft while the information is stored on the merchant system.
  • [0052]
    The present system and method permits the account issuer to control the level of security with which the information stored on merchant database 103 is protected. An exemplary method in accordance with the present invention may be understood with reference to system 100 on FIG. 1, the issuer database structure of FIG. 3, and the method illustrated in FIG. 2. In accordance with the invention, an account issuer 112 provides a transaction account to a transaction device user for completing a transaction. The user may receive the transaction account after the user provides information concerning the user to an account issuer system 112. For example, the user may complete an application for a credit card, and the credit card issuer may provide a credit transaction account to the user for transaction completion (step 202). The account issuer may then permanently assign a proxy code 310 (illustrated in FIG. 3) to the transaction account, so that proxy code 310 need never be altered or modified during the life of the transaction account (step 204). Account issuer 112 may assign a transaction account number 312 to the transaction account for tracking purposes. The account issuer system 112 may store proxy code 310 correlative to the related transaction account number 312 in issuer database 114. The account issuer may store proxy code 310 and account number 312 in a relational database structure 300 (for example, database system 112), so that account issuer system 112 can locate the transaction account by referencing the associated permanently assigned proxy code 310 to the related account number 312.
  • [0053]
    Account issuer system 112 may then provide proxy code 310 to the user, by embodying proxy code 310 in any presentable form factor such as a credit card, charge card, debit card, calling card, loyalty card, key fob, cell phone, key ring, ring, or the like (step 206). The user may then provide proxy code 310 to merchant system 101 during the completion of a transaction request (step 208). The manner in which the user provides the transaction account proxy code 310 to merchant system 101 may vary in accordance with the form factor in which proxy code 310 is embodied. For example, where proxy code 310 is embodied in the magnetic stripe of a conventional transaction card, the user may provide proxy code 310 to the merchant by “swiping” the magnetic stripe of the credit card at a suitable reader as is found in the prior art. Alternatively, proxy code 310 may be embodied in a transponder system associated with a key fob (e.g., transaction device 102). In this instance, the user may provide proxy code 310 to the merchant system by waiving the fob transaction device 102 in proximity to a suitable transponder reader (e.g., RFID reader 104). Reader 104 may provide an interrogation signal to transaction device 102 to facilitate operation of transaction device 102 and transaction device 102 may provide proxy code 310 to merchant system 101 for processing.
  • [0054]
    Merchant system 101 may receive proxy code 310 and store it in a merchant system database 103 for later reference (step 210). For example, where the user requests that merchant system 101 store proxy code 310 in reference to a recurring billing account for payment, merchant system 101 may store proxy code 310 relative to the recurring billing account and periodically use proxy code 310 to seek payment for recurring services provided by merchant system 101. Merchant system 101 may then provide proxy code 310 to account issuer system 112 in a transaction request, under a merchant defined business as usual standard to facilitate completing the transaction (step 212). Account issuer system 112 may receive proxy code 310 and match it to the corresponding transaction account 112, which may be stored on account issuer database 114 (step 214). Account issuer system 112 may then provide to merchant system 101 the information, or funds to complete the transaction (step 216).
  • [0055]
    As used herein, the term “proxy code” may include any device, hardware, software, code, number, letter, symbol, digital certificate, smart chip, digital signal, analog signal, biometric and/or other identifier/indicia. A proxy code is issued via a network authorization message which includes a proxy number. The proxy number contains identifying information to identify the account holder and the specific merchant that issues payment requests. Proxy code 310 may also refer to any information provided to, for example, merchant system 101 during completion of a transaction request, which partially or fully masks the underlying sensitive information from merchant system 101. Particularly, the information provided to merchant system 101 (called “proxy code” herein) does not include sensitive information like, for example, transaction account number 312. Consequently, merchant system 101 is never provided the sensitive information since the sensitive information is not included in proxy code 310. Moreover, proxy code 310 may take the form of any conventional transaction account identifier. As such, when merchant system 101 receives proxy code 310, it may process proxy code 310 under business as usual standards. In this way, merchant system 101 is unaware that it has received a proxy code 310 and not the user's actual account number 312. Merchant system 101 may then store proxy code 310 in the place of the information ordinarily stored under conventional processing methods. Because proxy code 310 does not include sensitive information, no sensitive information may be stolen should merchant system 101 be compromised. In this way, account issuer system 112 may substantially eliminate, minimize or control the risks associated with merchant system 101 which may be compromised (e.g., fraudulent transactions, identity theft, etc.).
  • [0056]
    Another advantage of the present invention is that because proxy code 310 is permanently associated with a transaction account, proxy code 310 need never be modified on merchant system database 103. As such, the present invention eliminates the need to update information on merchant system 101 every time the related transaction device 102 is lost, stolen, or replaced. More particularly, the replacement device (not shown) is provided the identical proxy code 310 as was provided to the original transaction device 102. Consequently, merchant system 101 is provided the identical proxy code 310 in any instance where the user wishes to complete a transaction using the replacement transaction device which account issuer system 112 has permanently associated with the transaction account.
  • [0057]
    For example, merchant system 101 may receive proxy code 310 and store it in merchant database 103 relative to a user's recurring billing account such as a cellular telephone account. Periodically merchant system 101 may bill a transaction device 102 user in accordance with the telephone services provided. In accordance with invention device 102 user may wish to provide merchant system 101 with proxy code 310 for merchant system 101 to use to satisfy the bill. The user may authorize merchant system 101 to store proxy code 310 for repeated use in satisfying subsequent bills.
  • [0058]
    In a conventional recurring billing environment, the information received by merchant system 101 from transaction device 102 must ordinarily be updated when the user loses device 102 or device 102 information expires. That is, in conventional recurring billing environments the replacement device often is given device information which is often different from the information contained on the original transaction device 102. However, in accordance with the present invention, merchant system 101 need not update transaction device 102 information because proxy code 310 is permanently assigned with the transaction account.
  • [0059]
    In assigning proxy code 310, the issuer system 112 may correlate or match proxy code 310 to the account number 312 in, for example, a relational database (e.g., database structure 300). Referring again to FIG. 3, an exemplary account issuer database structure 300 of issuer database 114 (shown in FIG. 1) is shown. In exemplary structure 300, issuer system 112 may store proxy code 310 and account number 312 correlatively. Proxy code 310 and account number 312 may be stored in a separate database (not shown) or in a portion of database structure 300 designated for such storage (e.g., Account Number and Proxy Code portion 302). Issuer system 112 may additionally store the account holder's personal information 304 (e.g., name 314, address/phone number 316, etc.) and relevant account information (e.g., upper limit 318, account balance 320, account restrictions 322, etc.) corresponding to proxy code 310 and account number 312.
  • [0060]
    As noted above, the user's sensitive information relative to the user's account (account number 312, account holder's name 314, address 316, upper spending limit 318, account balance 320) is not provided to merchant system 101 during transaction completion. Instead, the user may only provide proxy code 310 to merchant system 101. The user provides proxy code 310 to merchant system 101 in a format similar to the account holder's account number 312. During settlement, issuer system 112 may receive proxy code 310 from merchant system 101 and correlate proxy code 310 to the user's account number 312 stored on issuer database 114. In an embodiment, issuer system 112 contains control logic stored thereon in order to retrieve from issuer database 114 account number 312 from issuer database 114 for use in settling the merchant's transaction request correlative to proxy code 310 for processing the merchant's transaction request. The control logic may be such that when issuer system 112 provides proxy code 310, issuer system 112 may request to receive corresponding account number 312 in return. For example, if issuer system 112 provides the control logic with proxy code 310 shown as “350864444444449” in FIG. 3, issuer system 112 will receive account number 312 shown as “370048693501255”.
  • [0061]
    In one exemplary embodiment, account issuer system 112 may store proxy code 310 in a one-to-one relationship with account number 312. Alternatively, issuer system 112 may receive proxy code 310 and operate to convert it to a number correlated with transaction account number 312. Further still, account issuer system 112 may use any suitable correlation technique that is known which permits account issuer system 112 to receive one data and associate it with a second data. In other embodiments, proxy code 310 may be derived from account number 312 or any other data field, where proxy code 310 is stored, for example, in data fields on transaction device 102. Where proxy code 310 is accompanied by a secondary identifier, such as, for example, a personal identification number (PIN), issuer system 112 database may correlate or match proxy code 310, account number 312 and secondary identifier, so that issuer system 112 may reference any one of the numbers using any one of the other numbers. Issuer system 112 may use any conventional matching or storage protocol as is found in the art.
  • [0062]
    In one exemplary embodiment, issuer system 112 may assign distinct proxy codes for each transaction account issuer system 112 maintains. In which case, no two transaction accounts would be assigned identical proxy codes. For example, in FIG. 3, account number “370048693501235” may be assigned proxy code “35086444444449” while account number “370048655346465” may be assigned proxy code “350795555555559”. In another exemplary embodiment, issuer system 112 may assign the same proxy code 310 to a plurality of transaction accounts, to multiple accounts related to the same cardholder, to multiple accounts controlled by the same entity (e.g., corporate card accounts), to all the transaction accounts issuer system 112 maintains or any other subset of accounts. Moreover, a proxy code 310 may not be a separate code; rather, proxy code 310 may be derived from a transaction device identifier or any other data. In another embodiment, proxy code 310 may be contained within another code or account number. In another embodiment, proxy code 310 is an encrypted or manipulated account number (or any other sensitive information). The same proxy code 310, an amended proxy code or an additional proxy code may also represent other sensitive data (aside from the account number), such as, for example, account holder name, address, biometric information, demographic information and/or the like. In this regard, merchant system 101 will not have access to this information, but account issuer system 112 may send this information related to proxy code 310 to acquirer 110 when acquirer 110 requires any portion of this information as part of its approval process.
  • [0063]
    Proxy code 310 may be populated onto a transaction device database (not shown). In other embodiments, the device may generate its own proxy code 310. In this embodiment, the user may download the generated proxy code 310 to issuer system 112 (e.g., via the Internet) prior to using proxy code 310 in a transaction. In another embodiment, reader 104 may generate a proxy code 310 prior to, during or after receiving sensitive information from transaction device 102. In this embodiment, reader 104 may delete the sensitive information, and only transmit proxy code 310 to merchant system 101 for transaction completion. Reader 104 may generate a proxy code 310 using the sensitive information which may be encoded in merchant system 101 recognizable format (e.g., magnetic stripe format). Issuer system 112 may receive proxy code 310 and reconstruct the sensitive information from proxy code 310, using any suitable decoding method or algorithm.
  • [0064]
    While transaction device 102 may contain proxy code 310, in certain embodiments, transaction device 102 may also contain account number 312 and other sensitive data; however, transaction device 102 will only communicate proxy code 310 to reader 104.
  • [0065]
    In one exemplary embodiment, proxy code 310 is configured in magnetic stripe format. That is, proxy code 310 may be stored in the Track 1/Track 2 portions of the magnetic stripe track network. Proxy code 310 may be uploaded onto a transaction device 102 which account issuer system 112 has assigned to a user. Proxy code 310 may be uploaded into a transaction device database in magnetic stripe format, and may also be transmitted to merchant system 101 in similar magnetic stripe format. A suitable method for providing proxy code 310 to transaction device 102 may be determined by transaction device 102 configuration. Proxy code 310 may be uploaded into a database or other storage area contained on transaction device 102, by populating proxy code 310 on the database using any conventional method. A suitable method is described in commonly owned U.S. patent application Ser. No. 10/192,488, entitled “SYSTEM AND METHOD FOR RFID PAYMENT USING RADIO FREQUENCY IDENTIFICATION IN CONTACT AND CONTACTLESS TRANSACTIONS,” incorporated herein by reference. Once proxy code 310 is uploaded into the transaction device database, transaction device 102 may be used for transaction completion.
  • [0066]
    Once proxy code 310 is assigned and loaded on transaction device 102, proxy code 310 may be provided during the execution of a transaction in lieu of the actual transaction account number 312. In this way, proxy code 310 masks the actual account number 312 from merchant system 101 and from potential theft if merchant system 101 security is compromised. That is, instead of merchant system 101 storing account number 312 for later reference, merchant system 101 stores proxy code 310.
  • [0067]
    As noted, in one exemplary embodiment, proxy code 310 is formatted to mimic conventional transaction device sensitive information, such as an account number 312. Because proxy code 310 mimics an account number 312 proxy code 310 is configured in a format recognizable to merchant system 101. In this way, merchant system 101 is unaware that it is receiving proxy code 310 instead of the actual account number 312. For example, where the actual account number 312 is a credit card number, proxy code 310 would be configured to take the form of a valid credit card number. Similarly, where the actual account number 312 is a loyalty number, proxy code 310 is configured in a format similar to a valid loyalty number. In either case, however, proxy code 310 may contain no or minimal sensitive information related to the user account. Because proxy code 310 is in the same format as the account number or other sensitive data, merchant system 101 recognizes the information as valid data for the respective field. Merchant system 101 may then provide the transaction request to an acquirer 110 via a network 108 for transaction request completion. Acquirer 10 and/or issuer 112 can authorize the transaction request.
  • [0068]
    The preceding detailed description of exemplary embodiments of the invention makes reference to the accompanying drawings, which show the exemplary embodiment by way of illustration. While these exemplary embodiments are described in sufficient detail to enable those skilled in the art to practice the invention, it should be understood that other embodiments may be realized and that logical and mechanical changes may be made without departing from the spirit and scope of the invention. In addition, the steps recited in any of the method or process claims may be executed in any order and are not limited to the order presented or method steps may be added or eliminated as desired. Further, the present invention may be practiced using one or more servers, as necessary. Thus, the preceding detailed description is presented for purposes of illustration only and not of limitation, and the scope of the invention is defined by the preceding description, and with respect to the attached claims.

Claims (15)

  1. 1. A method for securely completing a transaction, comprising:
    receiving a proxy code from a transaction device, wherein said transaction device generates said proxy code;
    associating said proxy code to a transaction account code, wherein said proxy code is provided to a merchant system for transaction completion, wherein said proxy code is absent of sensitive information, and includes a similar format as said transaction account code, wherein said transaction account and user personal information include sensitive information;
    receiving from said merchant system a transaction request, said transaction request including said proxy code;
    locating said transaction account code associated with said proxy code;
    locating said transaction account using said transaction account code; and
    processing said transaction request in accordance with said transaction account.
  2. 2. The method of claim 1, further comprising assigning said transaction account to a user according to said user personal information.
  3. 3. The method of claim 1, further comprising assigning said transaction account code to said transaction account.
  4. 4. The method of claim 1, further comprising associating said proxy code to said sensitive information stored in a database.
  5. 5. The method of claim 1, further comprising holding said proxy code fixed and altering said sensitive information to form altered sensitive information, and associating said altered sensitive information to said proxy code in said database.
  6. 6. The method of claim 1, further comprising issuing said proxy code via a network authorization message containing said proxy code.
  7. 7. The method of claim 1, wherein said locating said transaction account code includes generating said transaction account code from said proxy code.
  8. 8. The method of claim 1, further comprising associating said proxy code with a secondary form of identification for use in validating said proxy code.
  9. 9. The method of claim 1, further comprising providing said proxy code to said transaction device, wherein said transaction device is presented to said merchant system for transaction completion.
  10. 10. The method of claim 9, wherein said proxy code is presented to said merchant system in an ISO 7816 magnetic stripe compatible format.
  11. 11. The method of claim 9, wherein said transaction device is operable to present said proxy code to said merchant system in a contactless environment.
  12. 12. The method of claim 9, wherein said transaction device is operable to present said proxy code to said merchant system via radio frequency identification (RFID) technology.
  13. 13. The method of claim 1, wherein said transaction device is configured to interface with a transponder/reader system comprising:
    a Radio Frequency Identification (RFID) reader configured to provide a first radio frequency (RF) interrogation signal for powering a transponder system, to receive a transponder system RF signal, and to communicate transponder system account data related to said transponder system RF signal to a merchant system, said RFID reader including, a first interrogator for providing said first RF interrogation signal;
    an RFID reader authentication circuit in communication with said first interrogator for authenticating said transponder system RF signal;
    an RFID reader database for storing RFID reader data, said RFID reader database in communication with said RFID reader authentication circuit;
    an RFID reader protocol/sequence controller in communication with at least one of said first interrogator, said RFID reader authentication circuit, and said RFID reader database, said RFID reader protocol/sequence controller configured to facilitate control of an order of operation of said first interrogator, said RFID reader authentication circuit, and said RFID reader database;
    an RFID reader communications interface configured to communicate with said merchant system, said RFID reader communications interface configured to provide said transponder system account data, wherein said transponder system is configured to receive said first RF interrogation signal, to authenticate said first RF interrogation signal, and to transmit said transponder system account data, said transponder system further comprising: a first transponder responsive to said first RF interrogation signal;
    a transponder system authentication circuit in communication with said first transponder, said transponder system authentication circuit configured to authenticate said first RF interrogation signal;
    a transponder system database for storing said transponder system account data, said transponder system database in communication with said transponder system authentication circuit; and
    a transponder system protocol/sequence controller in communication with at least one of said first transponder, said transponder system authentication circuit, and said transponder system database, said transponder system protocol/sequence controller configured to control the order of operation of said first transponder, said transponder system authentication circuit, and said transponder system database, wherein said transponder system protocol/sequence controller is configured to activate said transponder system authentication circuit in response to said first RF interrogation signal having an RFID reader authentication code, said transponder system authentication circuit configured to encrypt said RFID reader authentication code to provide an encrypted RFID reader authentication code, said transponder system authentication circuit configured to provide said encrypted RFID reader authentication code to said first transponder for providing to said RFID reader, wherein said RFID reader is configured to receive said encrypted RFID reader authentication code, and wherein said RFID reader protocol/sequence controller is configured to activate said RFID reader authentication circuit in response to said encrypted RFID reader authentication code, wherein said RFID reader database is configured to provide a transponder system decryption security key to said RFID reader authentication circuit in response to said encrypted RFID reader authentication code, said transponder system decryption security key for use in decrypting said encrypted RFID reader authentication code to form a decrypted RFID reader authentication code, said transponder system decryption security key provided to said RFID reader based on an unique transponder identification code, wherein said RFID reader authentication circuit is configured to compare said decrypted RFID reader authentication code and said RFID reader authentication code to determine whether a match exists, and wherein said RFID reader protocol/sequence controller is configured to activate said RFID reader communications interface where said RFID reader authentication circuit matches said decrypted RFID reader authentication code and said RFID reader authentication code.
  14. 14. A system for securely completing a transaction, said system configured to:
    receive a proxy code from a transaction device, wherein said transaction device generates said proxy code;
    associate said proxy code to a transaction account code, wherein said proxy code is provided to a merchant system for transaction completion, wherein said proxy code is absent of sensitive information, and includes a similar format as said transaction account code, wherein said transaction account and user personal information include sensitive information;
    receive from said merchant system a transaction request, said transaction request including said proxy code;
    locate said transaction account code associated with said proxy code;
    locate said transaction account using said transaction account code; and
    process said transaction request in accordance with said transaction account.
  15. 15. A computer-readable storage medium containing a set of instructions for a general-purpose computer comprising:
    instructions to receive a proxy code from a transaction device, wherein said transaction device generates said proxy code;
    instructions to associate said proxy code to a transaction account code, wherein said proxy code is provided to a merchant system for transaction completion, wherein said proxy code is absent of sensitive information, and includes a similar format as said transaction account code, wherein said transaction account and user personal information include sensitive information;
    instructions to receive from said merchant system a transaction request, said transaction request including said proxy code;
    instructions to locate said transaction account code associated with said proxy code;
    instructions to locate said transaction account using said transaction account code; and
    instructions to process said transaction request in accordance with said transaction account.
US12354539 2001-07-10 2009-01-15 System and method for secure transactions manageable by a transaction account provider Active 2022-10-04 US8418918B2 (en)

Priority Applications (7)

Application Number Priority Date Filing Date Title
US30421601 true 2001-07-10 2001-07-10
US10192488 US7239226B2 (en) 2001-07-10 2002-07-09 System and method for payment using radio frequency identification in contact and contactless transactions
US39657702 true 2002-07-16 2002-07-16
US10340352 US7889052B2 (en) 2001-07-10 2003-01-10 Authorizing payment subsequent to RF transactions
US10708569 US7542942B2 (en) 2001-07-10 2004-03-11 System and method for securing sensitive information during completion of a transaction
US11161295 US7543738B1 (en) 2001-07-10 2005-07-28 System and method for secure transactions manageable by a transaction account provider
US12354539 US8418918B2 (en) 2001-07-10 2009-01-15 System and method for secure transactions manageable by a transaction account provider

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
US12354539 US8418918B2 (en) 2001-07-10 2009-01-15 System and method for secure transactions manageable by a transaction account provider

Related Parent Applications (1)

Application Number Title Priority Date Filing Date
US11161295 Continuation US7543738B1 (en) 2001-07-10 2005-07-28 System and method for secure transactions manageable by a transaction account provider

Publications (2)

Publication Number Publication Date
US20090125446A1 true true US20090125446A1 (en) 2009-05-14
US8418918B2 US8418918B2 (en) 2013-04-16

Family

ID=40688609

Family Applications (2)

Application Number Title Priority Date Filing Date
US11161295 Active 2024-04-04 US7543738B1 (en) 2001-07-10 2005-07-28 System and method for secure transactions manageable by a transaction account provider
US12354539 Active 2022-10-04 US8418918B2 (en) 2001-07-10 2009-01-15 System and method for secure transactions manageable by a transaction account provider

Family Applications Before (1)

Application Number Title Priority Date Filing Date
US11161295 Active 2024-04-04 US7543738B1 (en) 2001-07-10 2005-07-28 System and method for secure transactions manageable by a transaction account provider

Country Status (1)

Country Link
US (2) US7543738B1 (en)

Cited By (17)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20110117966A1 (en) * 2009-10-23 2011-05-19 Appsware Wireless, Llc System and Device for Consolidating SIM, Personal Token, and Associated Applications
US20110153498A1 (en) * 2009-12-18 2011-06-23 Oleg Makhotin Payment Channel Returning Limited Use Proxy Dynamic Value
US20110237296A1 (en) * 2009-10-23 2011-09-29 Apriva, Llc System and device for consolidating sim, personal token, and associated applications for selecting a transaction settlement entity
US20110237223A1 (en) * 2009-10-23 2011-09-29 Apriva, Llc System and device for facilitating a wireless transaction by consolidating sim, personal token, and associated applications
US20110238579A1 (en) * 2009-10-23 2011-09-29 Apriva, Llc System and device for facilitating a secure transaction with a validated token
US20110238580A1 (en) * 2009-10-23 2011-09-29 Apriva, Llc System and device for consolidating sim, personal token, and associated applications for secure transmission of sensitive data
US20110237224A1 (en) * 2009-10-23 2011-09-29 Apriva, Llc System and device for facilitating remote invocation of personal token capabilities
US20110246317A1 (en) * 2009-10-23 2011-10-06 Apriva, Llc System and device for facilitating a transaction through use of a proxy account code
WO2015084486A1 (en) * 2013-12-06 2015-06-11 Apple Inc. Provisioning and authenticating credentials on an electronic device
US9317848B2 (en) 2009-05-15 2016-04-19 Visa International Service Association Integration of verification tokens with mobile communication devices
US9372971B2 (en) 2009-05-15 2016-06-21 Visa International Service Association Integration of verification tokens with portable computing devices
US9424413B2 (en) 2010-02-24 2016-08-23 Visa International Service Association Integration of payment capability into secure elements of computers
US9516017B2 (en) 2009-10-23 2016-12-06 Apriva, Llc System and device for consolidating SIM, personal token, and associated applications for electronic wallet transactions
US9582801B2 (en) 2009-05-15 2017-02-28 Visa International Service Association Secure communication of payment information to merchants using a verification token
US9715681B2 (en) 2009-04-28 2017-07-25 Visa International Service Association Verification of portable consumer devices
US9792611B2 (en) 2009-05-15 2017-10-17 Visa International Service Association Secure authentication system and method
US9904919B2 (en) 2009-05-15 2018-02-27 Visa International Service Association Verification of portable consumer devices

Families Citing this family (31)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
FI108490B (en) * 2000-05-02 2002-01-31 Sonera Oyj The authorization Information võlittõminen
US7318550B2 (en) * 2004-07-01 2008-01-15 American Express Travel Related Services Company, Inc. Biometric safeguard method for use with a smartcard
FI119137B (en) * 2005-02-22 2008-07-31 Iprbox Oy The communication system and a personal messaging proxy
WO2007019735A1 (en) * 2005-08-19 2007-02-22 Seneration Company Limited Communication method and system
US7813963B2 (en) 2005-12-27 2010-10-12 The Pen Interactive electronic desktop action method and system for executing a transaction
US8121938B1 (en) * 2005-12-30 2012-02-21 United Services Automobile Association (Usaa) Comprehensive online loan transaction
US8200576B1 (en) 2005-12-30 2012-06-12 United Services Automobile Association (Usaa) Comprehensive online loan transaction
JP4855813B2 (en) * 2006-03-30 2012-01-18 富士通株式会社 Radio-tag management program, the radio-tag management method and a radio-tag management device
US8335745B2 (en) 2006-10-11 2012-12-18 Visa International Service Association Method and system for processing micropayment transactions
EP2040413B1 (en) * 2007-09-21 2013-06-19 Nokia Siemens Networks Oy Subscription and advice of charge control
US8233841B2 (en) * 2008-01-30 2012-07-31 Ebay Inc. Near field communication initialization
US20090307140A1 (en) 2008-06-06 2009-12-10 Upendra Mardikar Mobile device over-the-air (ota) registration and point-of-sale (pos) payment
US20100042835A1 (en) * 2008-08-18 2010-02-18 Keep Security Inc. System and method for permission confirmation by transmitting a secure request through a central server to a mobile biometric device
US7827108B2 (en) * 2008-11-21 2010-11-02 Visa U.S.A. Inc. System and method of validating a relationship between a user and a user account at a financial institution
US8781393B2 (en) 2009-09-30 2014-07-15 Ebay Inc. Network updates of time and location
US20110076941A1 (en) * 2009-09-30 2011-03-31 Ebay Inc. Near field communication and network data/product transfer
US8676639B2 (en) 2009-10-29 2014-03-18 Visa International Service Association System and method for promotion processing and authorization
US8280788B2 (en) 2009-10-29 2012-10-02 Visa International Service Association Peer-to-peer and group financial management systems and methods
US20110208658A1 (en) * 2010-02-25 2011-08-25 Oleg Makhotin Multifactor Authentication Using A Directory Server
US8898086B2 (en) 2010-09-27 2014-11-25 Fidelity National Information Services Systems and methods for transmitting financial account information
US9042281B2 (en) * 2010-12-08 2015-05-26 At&T Intellectual Property I, L.P. Method and apparatus for initializing an RFID tag via an optical display
WO2012116221A1 (en) 2011-02-23 2012-08-30 Mastercard International, Inc. Demand deposit account payment system
US9071287B2 (en) * 2012-03-16 2015-06-30 Qirfiraz Siddiqui Near field communication (NFC) educational device and application
US9715689B1 (en) 2012-12-17 2017-07-25 Wells Fargo Bank, N.A. Interoperable mobile wallet refund
US9407619B2 (en) 2013-03-17 2016-08-02 NXT-ID, Inc. Un-password™: risk aware end-to-end multi-factor authentication via dynamic pairing
US9659316B2 (en) 2014-07-10 2017-05-23 Bank Of America Corporation Providing navigation functionality in a retail location using local positioning technology
US9471759B2 (en) 2014-07-10 2016-10-18 Bank Of America Corporation Enabling device functionality based on indoor positioning system detection of physical customer presence
US9699599B2 (en) 2014-07-10 2017-07-04 Bank Of America Corporation Tracking associate locations
US9734643B2 (en) * 2014-07-10 2017-08-15 Bank Of America Corporation Accessing secure areas based on identification via personal device
US9432804B2 (en) 2014-07-10 2016-08-30 Bank Of America Corporation Processing of pre-staged transactions
US9691092B2 (en) 2014-07-10 2017-06-27 Bank Of America Corporation Predicting and responding to customer needs using local positioning technology

Citations (54)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4841570A (en) * 1987-05-11 1989-06-20 The United States Of America As Represented By The United States Department Of Energy One-way transformation of information
US5590038A (en) * 1994-06-20 1996-12-31 Pitroda; Satyan G. Universal electronic transaction card including receipt storage and system and methods of conducting electronic transactions
US5692132A (en) * 1995-06-07 1997-11-25 Mastercard International, Inc. System and method for conducting cashless transactions on a computer network
US5715314A (en) * 1994-10-24 1998-02-03 Open Market, Inc. Network sales system
US5883810A (en) * 1997-09-24 1999-03-16 Microsoft Corporation Electronic online commerce card with transactionproxy number for online transactions
US5903652A (en) * 1996-11-25 1999-05-11 Microsoft Corporation System and apparatus for monitoring secure information in a computer network
US6026166A (en) * 1997-10-20 2000-02-15 Cryptoworx Corporation Digitally certifying a user identity and a computer system in combination
US6044388A (en) * 1997-05-15 2000-03-28 International Business Machine Corporation Pseudorandom number generator
US6067529A (en) * 1998-08-12 2000-05-23 Ericsson Inc. System and method for sending a short message containing purchase information to a destination terminal
US6069952A (en) * 1994-09-30 2000-05-30 Mitsubishi Corporation Data copyright management system
US6073840A (en) * 1997-09-26 2000-06-13 Gilbarco Inc. Fuel dispensing and retail system providing for transponder prepayment
US6078888A (en) * 1997-07-16 2000-06-20 Gilbarco Inc. Cryptography security for remote dispenser transactions
US6101477A (en) * 1998-01-23 2000-08-08 American Express Travel Related Services Company, Inc. Methods and apparatus for a travel-related multi-function smartcard
US6173272B1 (en) * 1998-04-27 2001-01-09 The Clearing House Service Company L.L.C. Electronic funds transfer method and system and bill presentment method and system
US6257486B1 (en) * 1998-11-23 2001-07-10 Cardis Research & Development Ltd. Smart card pin system, card, and reader
US6263316B1 (en) * 1999-02-02 2001-07-17 Momente, Llc Automated process for retailing to a vehicle occupant
US6317755B1 (en) * 1999-07-26 2001-11-13 Motorola, Inc. Method and apparatus for data backup and restoration in a portable data device
US6317721B1 (en) * 1995-04-10 2001-11-13 Texas Instruments Incorporated Transaction accounting of toll transactions in transponder systems
US20020002468A1 (en) * 1998-08-13 2002-01-03 International Business Machines Corporation Method and system for securing local database file of local content stored on end-user system
US6363363B1 (en) * 1996-06-17 2002-03-26 Verifone, Inc. System, method and article of manufacture for managing transactions in a high availability system
US20020043566A1 (en) * 2000-07-14 2002-04-18 Alan Goodman Transaction card and method for reducing frauds
US20020095298A1 (en) * 1999-04-19 2002-07-18 Frogmagic, Inc. Blind Gift Method and System
US20020107798A1 (en) * 2000-06-08 2002-08-08 Patrice Hameau Method for making secure the pre-initialising phase of a silicon chip integrated system, in particular a smart card and integrated system therefor
US20020107791A1 (en) * 2000-10-06 2002-08-08 Nobrega Ryan J. Method and apparatus for performing a credit based transaction between a user of a wireless communications device and a provider of a product or service
US20020111919A1 (en) * 2000-04-24 2002-08-15 Visa International Service Association Online payer authentication service
US6501832B1 (en) * 1999-08-24 2002-12-31 Microstrategy, Inc. Voice code registration system and method for registering voice codes for voice pages in a voice network access provider system
US20030005310A1 (en) * 1999-12-10 2003-01-02 Fujitsu Limited User verification system, and portable electronic device with user verification function utilizing biometric information
US6529880B1 (en) * 1999-12-01 2003-03-04 Intermec Ip Corp. Automatic payment system for a plurality of remote merchants
US20030149662A1 (en) * 2000-02-10 2003-08-07 Jon Shore Apparatus, systems and methods for wirelessly transacting financial transfers , electronically recordable authorization transfers, and other information transfers
US6641050B2 (en) * 2001-11-06 2003-11-04 International Business Machines Corporation Secure credit card
US6675153B1 (en) * 1999-07-06 2004-01-06 Zix Corporation Transaction authorization system
US20040010462A1 (en) * 2002-07-15 2004-01-15 Susan Moon Method and system for a multi-purpose transactional platform
US20040044627A1 (en) * 1999-11-30 2004-03-04 Russell David C. Methods, systems and apparatuses for secure transactions
US6725202B1 (en) * 1995-04-10 2004-04-20 Texas Instruments Incorporated Transaction accounting of toll transactions in transponder systems
US6771981B1 (en) * 2000-08-02 2004-08-03 Nokia Mobile Phones Ltd. Electronic device cover with embedded radio frequency (RF) transponder and methods of using same
US20040236819A1 (en) * 2001-03-22 2004-11-25 Beepcard Inc. Method and system for remotely authenticating identification devices
US20050033688A1 (en) * 2002-07-09 2005-02-10 American Express Travel Related Services Company, Inc. Methods and apparatus for a secure proximity integrated circuit card transactions
US20050033659A1 (en) * 1996-01-17 2005-02-10 Privacy Infrastructure, Inc. Third party privacy system
US6857566B2 (en) * 2001-12-06 2005-02-22 Mastercard International Method and system for conducting transactions using a payment card with two technologies
US20050065872A1 (en) * 2003-09-12 2005-03-24 Moebs G. Michael Risk identification system and methods
US20050071231A1 (en) * 2001-07-10 2005-03-31 American Express Travel Related Services Company, Inc. System and method for securing rf transactions using a radio frequency identification device including a random number generator
US6925565B2 (en) * 2001-05-25 2005-08-02 Pen-One, Inc Pen-based transponder identity verification system
US20050223230A1 (en) * 2004-03-31 2005-10-06 Zick Donald A Asynchronous enhanced shared secret provisioning protocol
US6957199B1 (en) * 2000-08-30 2005-10-18 Douglas Fisher Method, system and service for conducting authenticated business transactions
US6968317B1 (en) * 2000-04-28 2005-11-22 Charles Schwab & Co., Inc. Method and apparatus for new accounts program
US7003501B2 (en) * 2000-02-11 2006-02-21 Maurice Ostroff Method for preventing fraudulent use of credit cards and credit card information, and for preventing unauthorized access to restricted physical and virtual sites
US7020685B1 (en) * 1999-10-08 2006-03-28 Openwave Systems Inc. Method and apparatus for providing internet content to SMS-based wireless devices
US20060178937A1 (en) * 2000-08-01 2006-08-10 First Usa Bank N.A. System and method for transponder-enabled account transactions
US7213748B2 (en) * 1999-04-19 2007-05-08 First Data Corporation Anonymous mailing and shipping transactions
US7237121B2 (en) * 2001-09-17 2007-06-26 Texas Instruments Incorporated Secure bootloader for securing digital devices
US7254557B1 (en) * 1998-11-09 2007-08-07 C/Base, Inc. Financial services payment vehicle and method
US7340438B2 (en) * 2001-05-21 2008-03-04 Nokia Corporation Method and apparatus for managing and enforcing user privacy
US7363505B2 (en) * 2003-12-03 2008-04-22 Pen-One Inc Security authentication method and system
US7419093B1 (en) * 1999-11-30 2008-09-02 Diebold, Incorporated Check accepting and cash dispensing automated banking machine system and method

Family Cites Families (91)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US2767756A (en) 1953-07-09 1956-10-23 Brown & Bigelow Foldable unit plastic card holder
US3536894A (en) 1965-07-23 1970-10-27 Jerry E Travioli Electronic credit card acceptor
US3376661A (en) 1966-06-28 1968-04-09 John G. Hulett Multiple company credit card
US3446260A (en) 1967-04-13 1969-05-27 Kleer Vu Ind Inc Card holder for wallets
US3573731A (en) 1968-06-17 1971-04-06 Clary Corp Device for determining authenticity of a credit card or the like
US3829662A (en) 1969-04-17 1974-08-13 Canon Kk Recording medium having concealed information as input for electronic computer
US3725647A (en) 1970-10-19 1973-04-03 Insta Datic Corp Photographic credit card system
US3763356A (en) 1971-05-17 1973-10-02 Pitney Bowes Alpex Unidirectional fluorescent ink imprinted coded document and method of decoding
US3838252A (en) 1971-07-09 1974-09-24 Pitney Bowes Inc Protective coatings for magnetically codable credit card
US3894756A (en) 1971-10-18 1975-07-15 Optronics Int Identification card having a reference beam coded hologram
US3873813A (en) 1973-05-18 1975-03-25 Xerox Corp Credit card
US3955295A (en) 1973-10-18 1976-05-11 Roberta B. Kuhns Data bearing card having an aesthetic, magnetizable, colorless, transparent coating thereon
US3914762A (en) 1973-12-27 1975-10-21 Rca Corp Electronic identification system
US4058839A (en) 1974-08-21 1977-11-15 R. D. Products, Inc. Magnetic-type information card and method and apparatus for encoding and reading
US4048737A (en) 1975-02-12 1977-09-20 Mcdermott Clifton Eugene Dual identification card and identification card holder
US3929177A (en) 1975-04-28 1975-12-30 Amity Leather Prod Co Pass case
US4044231A (en) 1975-05-27 1977-08-23 Addressograph Multigraph Corporation Secure property document and method of manufacture
DE2538956C3 (en) 1975-08-14 1979-09-06 Lgz Landis & Gyr Zug Ag, Zug (Schweiz)
US4222516A (en) 1975-12-31 1980-09-16 Compagnie Internationale Pour L'informatique Cii-Honeywell Bull Standardized information card
US4066873A (en) 1976-01-26 1978-01-03 The First National Bank Of Chicago Identification and access card with associated optical decoding means
US4056139A (en) 1976-03-03 1977-11-01 Murt Edward M Holder for money, cards and the like
US4206965A (en) 1976-08-23 1980-06-10 Mcgrew Stephen P System for synthesizing strip-multiplexed holograms
DE2654208B2 (en) 1976-10-28 1978-08-10 Sodeco-Saia Ag, Genf (Schweiz)
US4202491A (en) 1977-09-26 1980-05-13 Hitachi, Ltd. Data card
US4697363A (en) 1979-12-26 1987-10-06 Kangaroos U.S.A., Inc. Athletic shoe pocket
US4277863A (en) 1979-05-11 1981-07-14 Daniel Faneuf Identification card holder
US4318554A (en) 1979-09-10 1982-03-09 Microseal Corporation Combined medical and/or informational identification credit card
US4303904A (en) 1979-10-12 1981-12-01 Chasek Norman E Universally applicable, in-motion and automatic toll paying system using microwaves
EP0032368B1 (en) 1980-01-12 1983-12-28 Zeag Systems AG Data card
FR2492135B1 (en) 1980-09-16 1988-01-22 Cii Honeywell Bull Device object distribution and acquisition services
US4421380A (en) 1980-10-06 1983-12-20 Mcgrew Stephen P Full-color hologram
US4717221A (en) 1980-11-05 1988-01-05 Mcgrew Stephen P Diffractive color and texture effects for the graphic arts
US4589686A (en) 1980-11-05 1986-05-20 Mcgrew Stephen P Anticounterfeiting method and device
US4356646A (en) 1981-02-26 1982-11-02 Johnson Jr Thomas A Card holder
US4503135A (en) 1981-02-27 1985-03-05 Drexler Technology Corporation Medium for recording visual images and laser written data
JPH05748B2 (en) 1981-03-18 1993-01-06 Buu Refuberui
US4443027A (en) 1981-07-29 1984-04-17 Mcneely Maurice G Multiple company credit card system
US4910521A (en) 1981-08-03 1990-03-20 Texas Instruments Incorporated Dual band communication receiver
US4538059A (en) 1981-09-16 1985-08-27 Itr International Time Limited Identification card with concealed coding and a simple reader module to decode it
US4453074A (en) 1981-10-19 1984-06-05 American Express Company Protection system for intelligent cards
US4507652A (en) 1982-02-04 1985-03-26 Baker Industries, Inc. Bidirectional, interactive fire detection system
US4475308A (en) 1982-03-01 1984-10-09 Heise Manufacturing Co., Inc. Revolving door system
US4436991A (en) 1982-03-10 1984-03-13 Sealectro Corporation Badge reader using infrared light
EP0093410A3 (en) 1982-04-30 1984-10-17 Omron Tateisi Electronics Co. Apparatus for sensing a magnetic stripe on a recording media
DE3231460A1 (en) 1982-08-24 1984-03-01 Gao Ges Automation Org ID card with testable in ascending and light features
US4563024A (en) 1983-03-16 1986-01-07 Jeffrey Blyth Hologram identification device
US4656463A (en) 1983-04-21 1987-04-07 Intelli-Tech Corporation LIMIS systems, devices and methods
US4558211A (en) 1983-05-23 1985-12-10 Imperial Oil Limited Transaction terminal system
US4547002A (en) 1983-11-10 1985-10-15 U.S. Banknote Corporation Credit and identification cards having pieces of diffraction grating therein
US4597814A (en) 1983-11-22 1986-07-01 U.S. Banknote Corporation Method for manufacturing card with three-dimensional label incorporated therein
US4641017A (en) 1983-12-15 1987-02-03 Herman Lopata Fraud resistant credit card system
US4593936A (en) 1984-03-06 1986-06-10 Opel George E Universal credit card
US4736094A (en) 1984-04-03 1988-04-05 Omron Tateisi Electronics Co. Financial transaction processing system using an integrated circuit card device
US4583766A (en) 1984-05-08 1986-04-22 Kenneth R. Wessel Secure badge for infrared badge reader and process for making same
US4779898A (en) 1986-11-21 1988-10-25 Optical Coating Laboratory, Inc. Thin film optically variable article and method having gold to green color shift for currency authentication
US4663518A (en) 1984-09-04 1987-05-05 Polaroid Corporation Optical storage identification card and read/write system
US4684795A (en) 1985-01-07 1987-08-04 United States Banknote Company L.P. Security tape with integrated hologram and magnetic strip
EP0190387A2 (en) 1985-02-07 1986-08-13 MIDS Magnetische Informations- und Datensysteme GmbH Coded identity card
US4639765A (en) 1985-02-28 1987-01-27 Texas Instruments Incorporated Synchronization system for overlay of an internal video signal upon an external video signal
JPS61201390A (en) 1985-03-04 1986-09-06 Casio Comput Co Ltd Ic card
US4672021A (en) 1985-06-03 1987-06-09 Fairmount Chemical Company Contrast enhancement layer composition with naphthoquinone diazide, indicator dye and polymeric binder
US4643452A (en) 1985-08-15 1987-02-17 Chang Kwei K Business card attaching strip
DE3629757C2 (en) 1985-08-30 1996-07-11 Fuji Photo Film Co Ltd Card with photograph, and processes for their preparation
GB8620643D0 (en) 1985-09-02 1986-10-01 Sugimoto H Visiting card
US4747147A (en) 1985-09-03 1988-05-24 Sparrow Malcolm K Fingerprint recognition and retrieval system
US4700055A (en) 1985-10-15 1987-10-13 Kashkashian Jr Arsen Multiple credit card system
JPH0696356B2 (en) 1986-03-17 1994-11-30 三菱電機株式会社 Thin semiconductor card
US4816653A (en) 1986-05-16 1989-03-28 American Telephone And Telegraph Company Security file system for a portable data carrier
JPH0358220B2 (en) 1986-07-01 1991-09-04 Ryokichi Tamaoki
EP0251253B1 (en) 1986-07-01 1992-12-02 Bruno Fabbiani Security document
US4739328A (en) 1986-07-14 1988-04-19 Amtech Corporation System for identifying particular objects
US4725719A (en) 1986-07-21 1988-02-16 First City National Bank Of Austin Restricted purpose, commercial, monetary regulation method
JPS6332658A (en) 1986-07-28 1988-02-12 Casio Comput Co Ltd Ic card system
DE3628315A1 (en) 1986-08-21 1988-02-25 Bayer Ag Use of specific ethylene-vinyl acetate copolymer for modification of pvc
US4863819A (en) 1986-09-11 1989-09-05 Drexler Technology Corporation Read-only optical data card
DE3636921A1 (en) 1986-10-30 1988-05-05 Interflex Datensyst Faelschungssicherer optoelectronic code-card reader
DE3638575A1 (en) 1986-11-12 1988-05-19 Gao Ges Automation Org A process for the production of identification cards with color-covered magnetic track
US4744497A (en) 1986-12-10 1988-05-17 Neal William T O Security wallet
US4801790A (en) 1987-01-12 1989-01-31 Valid Technologies, Ltd. Access card provided with coded security means
US4984270A (en) 1987-06-19 1991-01-08 The Exchange System Method and system for transmission of financial data
US4829690A (en) 1987-06-26 1989-05-16 Andros Theodore A Credit card chain holder
US4897533A (en) 1987-07-07 1990-01-30 National Business Systems, Inc. Credit card and method of making the same
US4837422A (en) 1987-09-08 1989-06-06 Juergen Dethloff Multi-user card system
US4917292A (en) 1988-04-21 1990-04-17 Drexler Technology Corporation Book on a pocket card
US4961142A (en) 1988-06-29 1990-10-02 Mastercard International, Inc. Multi-issuer transaction device with individual identification verification plug-in application modules for each issuer
US4918432A (en) 1988-09-27 1990-04-17 B. I. Incorporated House arrest monitoring system
US4937963A (en) 1988-11-21 1990-07-03 Drexler Technology Corporation Protective enclosure for data cards
US4884507A (en) 1988-11-21 1989-12-05 Levy Isy R Security container
US4897947A (en) 1989-01-09 1990-02-06 Kass Pious Stephanie Identification holder for mounting on shoes
US4993068A (en) 1989-11-27 1991-02-12 Motorola, Inc. Unforgeable personal identification system
US4998753A (en) 1990-04-03 1991-03-12 Sharon Wichael Multi-purpose computer readable driver's license

Patent Citations (56)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4841570A (en) * 1987-05-11 1989-06-20 The United States Of America As Represented By The United States Department Of Energy One-way transformation of information
US5590038A (en) * 1994-06-20 1996-12-31 Pitroda; Satyan G. Universal electronic transaction card including receipt storage and system and methods of conducting electronic transactions
US6069952A (en) * 1994-09-30 2000-05-30 Mitsubishi Corporation Data copyright management system
US5715314A (en) * 1994-10-24 1998-02-03 Open Market, Inc. Network sales system
US6725202B1 (en) * 1995-04-10 2004-04-20 Texas Instruments Incorporated Transaction accounting of toll transactions in transponder systems
US6317721B1 (en) * 1995-04-10 2001-11-13 Texas Instruments Incorporated Transaction accounting of toll transactions in transponder systems
US5692132A (en) * 1995-06-07 1997-11-25 Mastercard International, Inc. System and method for conducting cashless transactions on a computer network
US20050033659A1 (en) * 1996-01-17 2005-02-10 Privacy Infrastructure, Inc. Third party privacy system
US6363363B1 (en) * 1996-06-17 2002-03-26 Verifone, Inc. System, method and article of manufacture for managing transactions in a high availability system
US5903652A (en) * 1996-11-25 1999-05-11 Microsoft Corporation System and apparatus for monitoring secure information in a computer network
US6044388A (en) * 1997-05-15 2000-03-28 International Business Machine Corporation Pseudorandom number generator
US6078888A (en) * 1997-07-16 2000-06-20 Gilbarco Inc. Cryptography security for remote dispenser transactions
US6185307B1 (en) * 1997-07-16 2001-02-06 Gilbarco Inc. Cryptography security for remote dispenser transactions
US5883810A (en) * 1997-09-24 1999-03-16 Microsoft Corporation Electronic online commerce card with transactionproxy number for online transactions
US6073840A (en) * 1997-09-26 2000-06-13 Gilbarco Inc. Fuel dispensing and retail system providing for transponder prepayment
US6026166A (en) * 1997-10-20 2000-02-15 Cryptoworx Corporation Digitally certifying a user identity and a computer system in combination
US6101477A (en) * 1998-01-23 2000-08-08 American Express Travel Related Services Company, Inc. Methods and apparatus for a travel-related multi-function smartcard
US6173272B1 (en) * 1998-04-27 2001-01-09 The Clearing House Service Company L.L.C. Electronic funds transfer method and system and bill presentment method and system
US6067529A (en) * 1998-08-12 2000-05-23 Ericsson Inc. System and method for sending a short message containing purchase information to a destination terminal
US20020002468A1 (en) * 1998-08-13 2002-01-03 International Business Machines Corporation Method and system for securing local database file of local content stored on end-user system
US7254557B1 (en) * 1998-11-09 2007-08-07 C/Base, Inc. Financial services payment vehicle and method
US6257486B1 (en) * 1998-11-23 2001-07-10 Cardis Research & Development Ltd. Smart card pin system, card, and reader
US6263316B1 (en) * 1999-02-02 2001-07-17 Momente, Llc Automated process for retailing to a vehicle occupant
US7213748B2 (en) * 1999-04-19 2007-05-08 First Data Corporation Anonymous mailing and shipping transactions
US20020095298A1 (en) * 1999-04-19 2002-07-18 Frogmagic, Inc. Blind Gift Method and System
US6675153B1 (en) * 1999-07-06 2004-01-06 Zix Corporation Transaction authorization system
US6317755B1 (en) * 1999-07-26 2001-11-13 Motorola, Inc. Method and apparatus for data backup and restoration in a portable data device
US6501832B1 (en) * 1999-08-24 2002-12-31 Microstrategy, Inc. Voice code registration system and method for registering voice codes for voice pages in a voice network access provider system
US7020685B1 (en) * 1999-10-08 2006-03-28 Openwave Systems Inc. Method and apparatus for providing internet content to SMS-based wireless devices
US20040044627A1 (en) * 1999-11-30 2004-03-04 Russell David C. Methods, systems and apparatuses for secure transactions
US7419093B1 (en) * 1999-11-30 2008-09-02 Diebold, Incorporated Check accepting and cash dispensing automated banking machine system and method
US6529880B1 (en) * 1999-12-01 2003-03-04 Intermec Ip Corp. Automatic payment system for a plurality of remote merchants
US20030005310A1 (en) * 1999-12-10 2003-01-02 Fujitsu Limited User verification system, and portable electronic device with user verification function utilizing biometric information
US20030149662A1 (en) * 2000-02-10 2003-08-07 Jon Shore Apparatus, systems and methods for wirelessly transacting financial transfers , electronically recordable authorization transfers, and other information transfers
US7003501B2 (en) * 2000-02-11 2006-02-21 Maurice Ostroff Method for preventing fraudulent use of credit cards and credit card information, and for preventing unauthorized access to restricted physical and virtual sites
US20020111919A1 (en) * 2000-04-24 2002-08-15 Visa International Service Association Online payer authentication service
US6968317B1 (en) * 2000-04-28 2005-11-22 Charles Schwab & Co., Inc. Method and apparatus for new accounts program
US20020107798A1 (en) * 2000-06-08 2002-08-08 Patrice Hameau Method for making secure the pre-initialising phase of a silicon chip integrated system, in particular a smart card and integrated system therefor
US20020043566A1 (en) * 2000-07-14 2002-04-18 Alan Goodman Transaction card and method for reducing frauds
US20060178937A1 (en) * 2000-08-01 2006-08-10 First Usa Bank N.A. System and method for transponder-enabled account transactions
US6771981B1 (en) * 2000-08-02 2004-08-03 Nokia Mobile Phones Ltd. Electronic device cover with embedded radio frequency (RF) transponder and methods of using same
US6957199B1 (en) * 2000-08-30 2005-10-18 Douglas Fisher Method, system and service for conducting authenticated business transactions
US20020107791A1 (en) * 2000-10-06 2002-08-08 Nobrega Ryan J. Method and apparatus for performing a credit based transaction between a user of a wireless communications device and a provider of a product or service
US20040236819A1 (en) * 2001-03-22 2004-11-25 Beepcard Inc. Method and system for remotely authenticating identification devices
US7340438B2 (en) * 2001-05-21 2008-03-04 Nokia Corporation Method and apparatus for managing and enforcing user privacy
US6925565B2 (en) * 2001-05-25 2005-08-02 Pen-One, Inc Pen-based transponder identity verification system
US20050071231A1 (en) * 2001-07-10 2005-03-31 American Express Travel Related Services Company, Inc. System and method for securing rf transactions using a radio frequency identification device including a random number generator
US7237121B2 (en) * 2001-09-17 2007-06-26 Texas Instruments Incorporated Secure bootloader for securing digital devices
US6641050B2 (en) * 2001-11-06 2003-11-04 International Business Machines Corporation Secure credit card
US7287695B2 (en) * 2001-12-06 2007-10-30 Mastercard International Incorporated Method and system for conducting transactions using a payment card with two technologies
US6857566B2 (en) * 2001-12-06 2005-02-22 Mastercard International Method and system for conducting transactions using a payment card with two technologies
US20050033688A1 (en) * 2002-07-09 2005-02-10 American Express Travel Related Services Company, Inc. Methods and apparatus for a secure proximity integrated circuit card transactions
US20040010462A1 (en) * 2002-07-15 2004-01-15 Susan Moon Method and system for a multi-purpose transactional platform
US20050065872A1 (en) * 2003-09-12 2005-03-24 Moebs G. Michael Risk identification system and methods
US7363505B2 (en) * 2003-12-03 2008-04-22 Pen-One Inc Security authentication method and system
US20050223230A1 (en) * 2004-03-31 2005-10-06 Zick Donald A Asynchronous enhanced shared secret provisioning protocol

Cited By (22)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US9715681B2 (en) 2009-04-28 2017-07-25 Visa International Service Association Verification of portable consumer devices
US9582801B2 (en) 2009-05-15 2017-02-28 Visa International Service Association Secure communication of payment information to merchants using a verification token
US9792611B2 (en) 2009-05-15 2017-10-17 Visa International Service Association Secure authentication system and method
US9372971B2 (en) 2009-05-15 2016-06-21 Visa International Service Association Integration of verification tokens with portable computing devices
US9317848B2 (en) 2009-05-15 2016-04-19 Visa International Service Association Integration of verification tokens with mobile communication devices
US9904919B2 (en) 2009-05-15 2018-02-27 Visa International Service Association Verification of portable consumer devices
US9516017B2 (en) 2009-10-23 2016-12-06 Apriva, Llc System and device for consolidating SIM, personal token, and associated applications for electronic wallet transactions
US20110237224A1 (en) * 2009-10-23 2011-09-29 Apriva, Llc System and device for facilitating remote invocation of personal token capabilities
US20110246317A1 (en) * 2009-10-23 2011-10-06 Apriva, Llc System and device for facilitating a transaction through use of a proxy account code
US20120108296A1 (en) * 2009-10-23 2012-05-03 Apriva, Llc System and method for consolidating network and identification functions on a communication device
US20110238580A1 (en) * 2009-10-23 2011-09-29 Apriva, Llc System and device for consolidating sim, personal token, and associated applications for secure transmission of sensitive data
US20110238579A1 (en) * 2009-10-23 2011-09-29 Apriva, Llc System and device for facilitating a secure transaction with a validated token
US20110237223A1 (en) * 2009-10-23 2011-09-29 Apriva, Llc System and device for facilitating a wireless transaction by consolidating sim, personal token, and associated applications
US20110237296A1 (en) * 2009-10-23 2011-09-29 Apriva, Llc System and device for consolidating sim, personal token, and associated applications for selecting a transaction settlement entity
US9544303B2 (en) 2009-10-23 2017-01-10 Apriva, Llc System and device for consolidating SIM, personal token, and associated applications for selecting a transaction settlement entity
US9112857B2 (en) 2009-10-23 2015-08-18 Apriva, Llc System and device for facilitating a wireless transaction by consolidating SIM, personal token, and associated applications
US20110117966A1 (en) * 2009-10-23 2011-05-19 Appsware Wireless, Llc System and Device for Consolidating SIM, Personal Token, and Associated Applications
WO2011075450A3 (en) * 2009-12-18 2011-09-09 Visa International Service Association Payment channel returning limited use proxy dynamic value
US20110153498A1 (en) * 2009-12-18 2011-06-23 Oleg Makhotin Payment Channel Returning Limited Use Proxy Dynamic Value
US9424413B2 (en) 2010-02-24 2016-08-23 Visa International Service Association Integration of payment capability into secure elements of computers
US9589268B2 (en) 2010-02-24 2017-03-07 Visa International Service Association Integration of payment capability into secure elements of computers
WO2015084486A1 (en) * 2013-12-06 2015-06-11 Apple Inc. Provisioning and authenticating credentials on an electronic device

Also Published As

Publication number Publication date Type
US7543738B1 (en) 2009-06-09 grant
US8418918B2 (en) 2013-04-16 grant

Similar Documents

Publication Publication Date Title
USRE43157E1 (en) System and method for reassociating an account number to another transaction account
US7184747B2 (en) System and method for implementing financial transactions using cellular telephone data
US7191939B2 (en) Systems, methods, and devices for selling transaction instruments via web-based tool
US6078888A (en) Cryptography security for remote dispenser transactions
US6012039A (en) Tokenless biometric electronic rewards system
US7210620B2 (en) System for facilitating online electronic transactions
US7627531B2 (en) System for facilitating a transaction
US6575361B1 (en) System and method for managing stored-value card data
US8025223B2 (en) System and method for mass transit merchant payment
US20050033687A1 (en) Method and system for auditory emissions recognition biometrics on a fob
US20020194124A1 (en) System and method for a prepaid card issued by a foreign financial institution
US6857566B2 (en) Method and system for conducting transactions using a payment card with two technologies
US7093761B2 (en) System and method for distributing stored-value cards
US20040267618A1 (en) Method and system for secured transactions over a wireless network
US20040239481A1 (en) Method and system for facial recognition biometrics on a fob
US7761381B1 (en) Method and system for approving of financial transactions
US20040233039A1 (en) System for registering a biometric for use with a transponder
US20080008359A1 (en) System for biometric security using a fob
US20050116024A1 (en) Method and system for dna recognition biometrics on a fob
US6845906B2 (en) System and method for selecting financial services
US20070170247A1 (en) Payment card authentication system and method
US20040233038A1 (en) Method and system for retinal scan recognition biometrics on a fob
US20110246317A1 (en) System and device for facilitating a transaction through use of a proxy account code
US6494367B1 (en) Secure multi-application card system
US20070299783A1 (en) System and method for proffering multiple biometrics for use with a fob

Legal Events

Date Code Title Description
AS Assignment

Owner name: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY,

Free format text: ASSIGNMENT OF ASSIGNORS INTEREST;ASSIGNORS:SAUNDERS, PETER D.;BARNES, BRIAN T.;REEL/FRAME:022118/0236

Effective date: 20050722

CC Certificate of correction
AS Assignment

Owner name: III HOLDINGS 1, LLC, DELAWARE

Free format text: ASSIGNMENT OF ASSIGNORS INTEREST;ASSIGNOR:AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.;REEL/FRAME:032722/0746

Effective date: 20140324

FPAY Fee payment

Year of fee payment: 4

AS Assignment

Owner name: LIBERTY PEAK VENTURES, LLC, TEXAS

Free format text: ASSIGNMENT OF ASSIGNORS INTEREST;ASSIGNOR:III HOLDINGS 1, LLC;REEL/FRAME:045611/0193

Effective date: 20180315